Business Line of Credit

WHAT IT IS

A Fast and Simple Process

Have instant access to private capital 24 hours, 7 days a week with our business line of credit. Our client portal allows you to adjust the rates and terms to select which option works best for you and your business. Rates from 4% - 25%. Lines up to $250,000. Approved & deployed in 24-72 hours.

Connect your account software and/or bank account details via Plaid™ to seamlessly find out your maximum borrowing capacity. There are no hard credit checks, application forms, commitments, or costs required to see how much you qualify for. We do not store your login credentials. Applying is completely risk-free.

Min. Requirements: • 640 FICO • 2 Years in Business • 30k Monthly Revenue

Benefits Of Our Revolving Business Line of Credit

Secure Plaid™ Connection for Quick Approvals

Bank-level security protocols to securely link financial accounts while ensuring reliable underwriting for seemless approvals with no application, no hard pulls on credit, and no committment at all to see your approval amount.

Revolving for Quick Access to Funds

Access the amount of capital you need when you need it. Repayments replenish funds available for continued access to working capital without the need to reapply or go through credit checks.

Tailored Repayment Options for Flexibility

We offer ajustable repayment terms. Choose your weekly repayments with the flexibility to change repayment terms and options at any time.

WHO WE ARE

Private Lending Partnerships Allow For Higher Approval Odds Than Traditional Banks

Break Bread Lending LLC is partnered with global direct private lenders across the U.S. to provide small and medium-sized businesses with innovative revolving lines of credit, helping them meet their ongoing working capital needs. Our unique credit assessment process goes beyond FICO scores, utilizing proprietary data scraping from over 1600 data points and advanced underwriting technology. This enables us to approve 20-30% more applications than others while maintaining portfolio risk. Our mission is to provide working capital to businesses who need it while eliminating complex, aggressive fee structures. We offer dynamic funding limits, pricing, terms, and repayment options that adapt in real-time to the business for deals that actually make sense, and help businesses flourish.

FInd out how much you qualify for with no cost, or commitment. Instantly pull the funds whenever your business needs it. We approve you when banks can't or won't. Give the power of private, on-demand capital to your business today!

THE PROCESS

It's as easy as 1-2-3

1000 +

Lines Established

20-30%

Higher Approval Odds

Register

1) Register Your Business in Minutes

Connect

2) Secure Connection Via Plaid™

Draw

3) Instantly Withdraw Funds Whenever You Need

HOW IT WORKS

We Have Private Working Capital Available To You Instantly Whenever You Need It

Most working capital loans require you to withdraw 100% of the available funds once you’re approved. If you need more funding, you have to go through the whole application process again, wasting valuable time. Our line of credit option allows you to draw the funds you need, when you need them.

Each time you withdraw, you set the terms you like which consolidates all of your past withdrawals. This makes it easy for you to manage your budget and payment schedule in one transaction.

You can use your business line of credit as much, or little, and as often as you like for business purchases such as inventory, supplies, payroll, or other operating expenses. This eliminates the need to go back to lenders over and over again when your business really needs the working capital.

Businesses need flexibility. You can choose between a fixed rate or a percentage of your weekly income for repayments. Over time, you can even switch between the two to perfectly match your needs. We like seeing businesses succeed.